A Quick Note When Applying For Instant Approval Credit Cards

Most people who apply for instant approval credit cards, do so on the idea that they will get immediate access to the credit line. Unfortunately, it’s rarely so.

Even with the expedited process, approval can take anywhere from a few minutes to a few hours. After that, you will still need to wait for your credit card to arrive just like everybody else. Generally, the better your credit ratings, the faster your whole process will be. If you have nonexistent, average or bad credit, don’t even count on getting into one of these programs - it wasn’t designed for you.

If you think you qualify and wish to further expedite the process of getting your new instant approval credit card, you should take note of a few things:

Expedited review processes means they’ll try and gauge your credit-worthiness in a glance. Thus, approval of your application may not mean you aren’t a great catch for the company - it just means, there are probably some minor flaws with your credit history that rear itself prominently during fast reviews.

Because of their speedy perusal of your application, your credit score - a singular number representing the value of your entire credit history - will speak volumes as to how it is eventually perceived.

Most companies who offer instant approval credit cards look for certain demographics who usually make for good credit consumers. Typically, they will exhibit preferential bias towards applicants who are married, own a home and carry mortgages. If you don’t fall into one of those categories and were denied for an instant approval credit card despite good FICO scores, it may be the reason.